Freezing your credit card for car rental will not affect consumption. When renting a car with a credit card, what you call "freeze" should be "pre-authorization".

The explanation of "pre-authorization" in the bank is: as long as the merchant does not make settlement, pre-authorization does not belong to consumption. For example: your credit card has a limit of 10,000, and 5,000 is pre-authorized. You can continue with the remaining 5,000. Consumption. If you have not made any consumption, your credit card does not need to be repaid. After the pre-authorization is lifted, if the merchant deducts the money (please pay attention to this, there will be a receipt for the pre-authorized deduction, and it is not legal if you do not sign it.), as for the deduction After making the payment, you can pay back to the bank as much as you deduct. There is also the fact that as long as the "pre-authorization" is not canceled for one day, no matter how much you "pre-authorize" it in advance, it will not be considered consumption. This should be what you call "freezing".